Arizona Health Insurance Practice Exam

The ACA mandates that insurers ensure sufficient choice of what in the marketplace?

1. Plans

2. Prices

3. Providers

4. Discounts

The correct answer is: Providers

The Affordable Care Act (ACA) was designed to increase access to health insurance and improve the quality of healthcare available to consumers. One of the key provisions of the ACA is the requirement for health insurers to provide consumers with a sufficient choice of providers in the health insurance marketplace. This mandate is aimed at ensuring that individuals have adequate access to healthcare services and can select healthcare providers that meet their needs. By ensuring sufficient choice of providers, the ACA helps promote competition among providers, which can lead to improved quality of care and better outcomes for patients. Having a diverse array of healthcare providers allows members to choose from a range of specialists, primary care physicians, and facilities, which is essential for receiving timely and appropriate care. The other options, while relevant to health insurance in various ways, do not directly reflect the mandates set by the ACA regarding consumer choice. For example, while plans and prices are critical aspects of health insurance, the ACA specifically emphasizes provider choice as a mechanism to enhance access to care and support patient autonomy in selecting healthcare options.